The strategy of 'technology first' and the automation of everything is not how businesses usually start. The traditional barriers have been human and financial capital, as well as various regulatory barriers. Fintech starts with anyone’s business and applies a 'technology first' approach to that model. Islamic finance in the US has taken hold. There are several institutions offering Islamic financial products. They all have websites, a comprehensive online foundation and a robust social media presence. That used to be enough once you have overcome the traditional barriers to entry, but that is no longer the case. Experts predict that in the near future, no enterprise will succeed and flourish without the right fintech services in place. Guidance Residential, a leader in the US Islamic home financing market, was among the first to identify the trend and face that challenge.